Car Insurance in New Iberia, LA
Full coverage car insurance in New Iberia ensures that you'll have the coverage you need when an unexpected event strikes.
New Iberia is the largest city in Louisiana's Iberia Parish, found right in the center of the state's Acadiana region. This small community of just 29,000 residents hosts several major annual events, including the World Championship Gumbo Cookoff and the Louisiana Sugar Cane Festival. New Iberia is also within quick driving distance of the University of Louisiana's Lafayette campus.
Residents of New Iberia have a shorter-than-average commute. according to Sperling's Best Places. They spend about 21 minutes each way traveling to and from work, compared to a national average of more than 26 minutes. About 80% of residents drive their own cars to work and school, while more than 13% carpool with others. If you live or work in the area, it's important to find strong car insurance in New Iberia.
Fatal auto accidents in Louisiana increased by more than 20% from 2020 to 2021, according to the state's Department of Transportation and Development. Driving under the influence played a role in 40% of the 997 traffic fatalities that occurred in Louisiana. Stay aware of the dangers of drunk driving and drive defensively to remain safe on the road.
Comprehensive car insurance in New Iberia covers the cost of theft and vandalism, as well as other non-collision events. You may want to invest in this type of policy given the city's high rate of property crime. New Iberia sees nearly 5 of these incidents per 100 residents every year, compared to a Louisiana rate of 3.16 and a national rate of 2.11.
Bankrate reports that New Iberia residents pay about $2,702 per year for full-coverage car insurance, slightly less than the state average of $2,909 per year. However, you will pay about 34% more than the national premium average of $2,014. While New Iberia has more property crimes than average, the rural setting helps reduce auto insurance rates for residents.
You can also save on car insurance in New Iberia by using the cool online quote tool from VIU by HUB. Every provider has its own way of setting policy rates, so comparing personalized prices makes sense if you want to lower your monthly cost. Other factors that affect how much you pay for insurance include age, driving record and claims in your area. For example, you might have higher premiums than a neighbor a few blocks away if you're closer to a dangerous intersection.
The state requires New Iberia drivers to have a minimum of $15,000 per individual and $30,000 per accident in bodily injury liability. You also need at least $25,000 per individual for property damage liability. These policies cover the financial burdens of other drivers and passengers if you are responsible for an accident.
You can also expand your car insurance with optional policies for added protection. Examples include medical payment, comprehensive, collision and uninsured motorist policies. If you have a loan or lease on your vehicle, the loan or leasing company sets minimum auto insurance requirements that you must follow.
Find the right car insurance in New Iberia for your needs with VIU by HUB. Get personalized quotes from several providers to compare in minutes.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Louisiana Department of Insurance
